Ah ... if you know please advise as that is the big question ... usually not the sector that has just enjoyed a big melt up ...Originally Posted by Halitosis
The bottom line is no one knows so the best you can do is diversify ... as they say its the only free lunch in investing.
I can't help but think the industry deliberately tries to make this stuff as opaque as possible leading to people losing interesting allowing the industry to underperform for clients and bump up their own fees. All that mucking about with the benchmark above, how is that helping anyone make a comparison?
Note the bonds sector has impacted a lot of pensions recently with automatic "life styling" making matters worse not better ...
https://www.telegraph.co.uk/money/pe...nsion-savings/
https://www.express.co.uk/finance/pe...-crash-savings
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